Entries by Scott Bell

Tax Refunds Delayed

Hang tight-your tax refunds are on the way! Just a quick note to spread the word that according to Forbes (as well as other news organizations), any tax refund you may be owed as a result of taking the Earned Income Credit (EIC) will be delayed by law until at least February 15, 2017. This is […]

New Official Bankruptcy Forms

As of December 1, 2015, new bankruptcy forms were required to be used for all new cases. The purpose of redesigning the official bankruptcy forms was to permit more debtors (filers) to complete and file their own bankruptcy cases without the assistance of an attorney. Honestly, many bankruptcy attorneys were concerned that this would mean […]

It’s That Time of Year Again

You know what I mean: tax time! For a lot of people, the means more debt gets thrown on the pile because they wind up owing money. For many people, tax time is a bit of a blessing because they get a tax refund. Being self employed, it’s been a long time since I saw […]

Client Reviews

We love to make our clients happy. In fact, most of our clients come to us as referrals from past clients. This is huge! It means so much to us that a client was so happy with our services that he or she thought to tell other people about their positive experience with us and […]

Do I Have to Pay My Attorneys Fees Before Filing My Bankruptcy?

I do get asked this a lot. The short answer is “no”. You don’t have to do anything. But if you hire a bankruptcy lawyer, and he or she files your bankruptcy before being paid in full, then tell him or her to GO POUND SAND if they want you pay them. That’s right-unless an adversary […]

Collectors Are Lying Because Their Lips Are Movin’

Sorry for the Meghan Trainor reference there, but it’s true. The Associated press reports that the country is facing an epidemic of unscrupulous debt collectors willing to pose as law enforcement and threaten arrest to squeeze dollars out of Americans, a top prosecutor said as he announced the arrests of seven people who worked for […]

Best Bankruptcy Consultation Ever

Actually, I’ll talk about the best bankruptcy consultation ever in a future post, but this is about how to get the most out of your free bankruptcy consultation. Most bankruptcy attorneys  offer potential clients a free consultation. Although these meetings vary from lawyer to lawyer, when yo meet with me, I review your financial situation, discuss […]

How Much Do You Charge For Bankruptcy?

Ah, the single most often-asked question I have heard over the last 15+ years… I know for a fact that some people think I’m just being avoidant when I reply, “Well, it depends.” For some people, price is everything. I completely understand that, especially when a potential client has spent so much time being focussed […]

Payday Loans and Bankruptcy

If  I’ve heard it once, I’ve heard it a hundred times: “The payday loan place said I can’t file bankruptcy on them!” Well, like many other “truths” told by collectors to people considering bankruptcy, that’s just not true. You can discharge payday loans in bankruptcy. I consider payday loan places an evil scourge, but that’s […]

Does Bankruptcy Affect My Immigration Status?

Many clients are worried that filing for bankruptcy will affect their immigration status.  Bankruptcy does NOT affect immigration status. Every American has a right to file for bankruptcy.  That right is enshrined in the Constitution of the United States.  America is a country dedicated to giving people a “fresh start” through the bankruptcy process.  A […]